By Mike Hutchens, UC Schools Communications Director
Eighth-graders at Union City Middle School got a peek at their future last week.
That fast-forward vision could be the basis for their lives as successful functioning adults in an ever-changing society.
A financial survival simulation organized by the Promethean Foundation allowed students to experience what it truly takes to balance a household budget in today’s world.
Partnering with UCMS Career Explorations teacher Rhonda Clendenin and supported by community volunteers, Promethean staff administrator Teena Jarmon and marketing data administrator Jenny Campbell oversaw an engaging practice designed to teach students how to manage monthly household income.
The 8th-graders were challenged to make realistic budgeting decisions and understand the long-term impact of financial choices.
Throughout the activity, students worked to track every expense, prioritize needs over wants, and make informed financial choices. The ultimate challenge for students was to successfully complete the month with at least $100 remaining, mirroring the real-life discipline required to build savings and financial stability.
Students were assigned individual financial scenarios, including a set monthly income. Their tasks included budgeting for necessities – such as housing, food, transportation, insurance, and childcare – while avoiding excessive spending on materialistic wants.
Students also visited simulation ‘booths’ set up by community volunteers to learn about interest rates, credit card debt, loan options, and how poor financial decisions can quickly snowball.
“The goal of the simulation was not just to teach math or budgeting; it was to equip students with practical life skills and a deeper understanding of financial responsibility,” Campbell said.
“Many students expressed surprise at how quickly a budget could be thrown off by unexpected expenses or high-interest debt, while teachers noted the increased awareness and thoughtful conversations the experience inspired.”
Community volunteers praised the students for their engagement and problem-solving, emphasizing that hands-on learning experiences help prepare young people to make confident, informed financial decisions in their futures.